Jefferson Capital, Inc.
JCAPJefferson Capital, Inc.'s three tracks disagree. Price, valuation and the earnings engine each tell a different story — the next quarter or two settles it.
The sharpest disagreement: the price moved +25.8% in a year while annual EPS moved −100.0% — the difference is re-rating, and re-rating has to be repaid with earnings.
The price is between stages while the P/BV sits at the 63rd percentile of its own 1-year range. Underneath, the last four quarters read deteriorating — profit −33.3% year on year, with the the net margin at 22.2%. What settles it: whether earnings grow into a price that has already moved.
Price story Before the numbers, the tape. A stock price moves through four repeating seasons: a flat base (stage 1), an advance (2), a top (3), a decline (4). Where the price sits in that cycle frames everything below.
Jefferson Capital, Inc. trades at $20.5, between stages. That is +2.1% against its own 200-day average. It sits at 60% of a 52-week range of $16 to $23. On relative strength it is currently behind the S&P 500 on a trailing-13-week view (22 weeks and counting).
Today the stock is between stages. At $20.5 it trades +2.1% versus its 200-day average and sits at 60% of its 52-week range ($16–$23).
Against the market, two honest reads. Cumulative: over the last 1.1 years the stock moved +21% while the S&P 500 moved +24% — behind the index over the full window. Recent form: on a trailing-13-week view the stock is currently behind (22 weeks and counting; last ahead the week of 2026-03-06) — the ribbon below is that same metric, week by week.
What would end the trend, mechanically: two Friday closes in a row below the 200-day line. That is the exit rule — no debates.
Valuation For a bank we price the book, not the earnings: P/BV is what the market pays for each $1 of the bank's net worth. A bank below 1× book is priced below the value of what it owns, net of what it owes.
Jefferson Capital, Inc. trades at 2.6× P/BV, mid-range by its own standards (63rd percentile). Its long-run median P/BV is 2.5×, measured across 1.1 years of weekly readings. This places the multiple against the stock’s own record, and says nothing about what the business is worth.
Today's P/BV of 2.6× is mid-range by its own standards (63rd percentile), against a long-run median of 2.5× measured over 1.1 years of weekly readings. This is a comparison against the stock's own history — not a claim about what it is worth.
🚨 Why the multiple sits where it does: over the past year book value grew while the price moved +25.8% — price and book moved together, holding the multiple in its range.
Put together: the multiple is unremarkable against its own past, so the story rests on the book-value line underneath it, not the multiple.
Stage: Mixed Every business sits somewhere on a fundamental arc, and this page names the spot before anything else. The last twelve quarters of revenue, profit and EPS growth — plus the return the business earns on its capital — are read as curves: Deteriorating (the curves are falling), Turning around (a trough has just formed and the last few quarters lift off it), Improving (the climb off the trough is sustained), Consistent (steadily positive with healthy returns), Topping out (still high but decelerating from the peak). When the curves genuinely disagree the read is Mixed; too little history is No read. CAGR (compound annual growth rate) is the smooth yearly pace that turns the starting value into the latest one — the fairest way to compare growth across different time spans. Read the columns together: if the 1-year number towers over the 10-year, recent growth is running hotter than the long-run trend. A dash means that window is not held, or the base year was a loss (where a growth rate is not meaningful).
Jefferson Capital, Inc. reads as mixed on its fundamental arc. Mixed — no clean majority across the growth curves, ROE slipping at 38.6% — the per-curve reads carry the story. The read is built from 9 quarters across 3 curves, on partial evidence.
Why it matters: when the curves disagree, the per-curve reads above matter more than any single verdict.
One or more growth curves carry a base-effect spike — a large year-on-year move off a near-zero or loss-making comparable quarter. Those spikes are capped before the classifier reads the trajectory, and shown pinned on the chart, so a single distorted quarter does not drive the stage call.
A partial read: at least one curve is short, or the returns curve is not the computed quarterly series — hold the stage word a little more loosely.
| 1yr | 3yr | 5yr | 10yr | |
|---|---|---|---|---|
| Revenue | +41.9% | — | — | — |
| Profit | +46.2% | — | — | — |
| EPS | −100.0% | — | — | — |
| Stock price | +25.8% | — | — | — |
4-Factor Sector Score
40.6/100 — rank 11 of 28 in Credit Services · 70% evidence confidence
Jefferson Capital, Inc. scores 40.6 out of 100 against the 28 companies it is compared with in Credit Services, ranking 11. Balanced evidence: keep at normal research priority and require another comparable period before raising conviction.
The four contributions add to the total exactly: 9.9 + 16.8 + 8.8 + 5.1 = 40.6. This is the SAME number shown on the sector comparison — it is computed once, for the whole peer set, and read here.
What would change it: The read weakens if ROA rolls over or gross NPA rises while sector-relative strength deteriorates.
Revenue For a bank, revenue is everything the franchise earns — interest on the loan book plus fees from its businesses.
Jefferson Capital, Inc. reported $0.2 B of income in the Mar 26 quarter, +20.0% year on year. That is the 9th straight quarter of year-on-year growth. Over 2 years it has compounded at 38.1% a year. The last full year, FY25, came in at $0.6 B. The last four reported quarters add to $0.6 B.
FY25 revenue came in at $0.6 B (+41.9% on the year), capping 2 years at 38.1% compound. The latest quarter (Mar 26) printed $0.2 B, +20.0% year on year — the 9th consecutive quarter of year-over-year growth.
Pace check: the last four quarters averaged +32.9% growth against the decade's 38.1% — the current year is running slower than its own long-run rate.
Acceleration check: trailing-twelve-month revenue grew +31.2% over the last 4 quarters against +36.1%/yr over the last 8 — rolling over; TTM profit +6.3% vs +19.0%/yr — rolling over.
Net margin Net margin — what the bank keeps of every $100 of revenue after every cost, provision and tax. With big fee businesses in the mix, it is the cleanest margin we can read for this bank.
Jefferson Capital, Inc.'s net margin is 22.2% in the Mar 26 quarter, −17.8 percentage points against the same quarter a year ago. Across 3 fiscal years the net margin has ranged 30.2% to 34.4%. The current quarter is running below every full year in that window.
The latest quarter's net margin is 22.2%, −17.8 pp against the same quarter a year ago. Across 3 fiscal years the net margin has ranged 30.2%–34.4%.
Why: the numbers show the net margin move clearly, but the cost lines behind it sit below what we hold — so we state the move without inventing its driver.
Net profit Net profit is what survives every cost, interest and tax — the number EPS, dividends and book value all grow from.
Jefferson Capital, Inc. earned $0.0 B of net profit in the Mar 26 quarter, −33.3% year on year. Full-year FY25 profit was $0.2 B. The 2-year compound rate is 31.4%. That is 22.2% of the quarter's revenue. The same quarter a year earlier earned $0.1 B.
Mar 26 profit was $0.0 B, −33.3% year on year. On the full year, FY25 printed $0.2 B (+46.2%), and the 2-year compound rate is 31.4%.
🚨 Why profit moved: revenue contributed +20.0% and the margin −17.8 pp — the quarter was revenue-led despite a thinner margin.
Pace comparison, last four quarters: profit +16.7% vs revenue +32.9%. Profit is growing slower than sales — costs are eating the growth before it reaches the bottom line.
Asset quality — the ladder Gross NPA is the slice of the loan book where repayments have stopped. Net NPA is what remains after the money already set aside against those loans. Falling is healing; rising is damage arriving.
Loan-book quality history is not available for Jefferson Capital, Inc., so this section names the gap rather than estimating a ratio. No gross or net non-performing-asset series is filed in a form this page can read, and none is inferred from the profit line. The income, margin and return sections above carry the evidence this business does report.
We do not hold quarterly loan-book quality numbers for this bank, so this section states that plainly rather than working around it.
Why: loan-book quality is the engine room of a bank, and its drivers — slippages, recoveries, provisioning — sit below what we hold for this name; the sections around it carry the reads we can stand behind.
The loan book We read the loan book through revenue — when the book and the businesses grow, revenue grows with them. It is a rough proxy, and we say so: rate moves and fee swings can shift it a few points in any one year.
Jefferson Capital, Inc.'s revenue grew +41.9% in FY25 to $0.6 B, so the book is growing. The latest quarter ran +20.0% year on year. The net margin on that income is 22.2%, −17.8 percentage points against a year ago. Interest income is a proxy for the book; rate moves can shift it a few points in any one year.
FY25 revenue was $0.6 B, +41.9% on the year, and the latest quarter ran +20.0% year on year. The net margin on that revenue is 22.2% this quarter (−17.8 pp YoY) — growth with a narrowing margin on it.
The synthesis: a lender compounds when the book grows while the margin holds and the loan book stays clean — with quarterly loan-quality numbers missing here, revenue growth and margin are the two we watch.
Returns on equity and assets Two numbers rate a bank: ROE — what it earns on shareholder money — and ROA — what it earns on everything it deploys. ROE above ~13–15% earns its keep; below that, growth builds book slowly.
Jefferson Capital, Inc. earns a return on equity of 40% in FY25. Its trough over the ladder below was 34% in FY24. On the asset side every $100 of the balance sheet earned about $12.29, which is the return before leverage is applied.
FY25 ROE came in at 40%, recovered from a FY24 trough of 34%. On assets, the latest reading is about 12.29% — every $100 the bank deploys earns roughly $12.29 a year. That clears the bar a bank must beat for its book value to compound.
Why ROE moved: profit compounded 31.4% a year over 2 years while the equity base grew more slowly — earnings recovering faster than book value builds is what lifts ROE off a trough.
Dividend A dividend is cash paid out per share. Dividend per share is the declared amount for the period; the trailing twelve-month total is the four most recent quarters added together.
Jefferson Capital, Inc. has 3 quarters of declared dividends on file — too few for a trailing-twelve-month figure. The most recent declaration was $0.24 for Mar 26.
Jefferson Capital, Inc. has declared a dividend in 3 of the last 12 reported quarters, most recently $0.24 for Mar 26. That is fewer than four quarters, so no trailing-twelve-month total is shown rather than one built from a partial year.
Debt
For a bank, borrowings are raw material, not a warning sign — solvency is read through the returns and the loan book. A manufacturer’s debt is a claim against its profits, so the debt-to-equity lens that works everywhere else misleads on a lender and is not applied here.
A manufacturer’s debt is a claim against its profits; a bank’s borrowings are its inventory — money taken in to be lent out. The debt lens that works everywhere else misleads here, so this page does not apply it. The solvency questions for a bank — is the loan book sound, is the equity earning — are read through the loan-book and returns sections above.
Ownership There is no quarter-by-quarter holder register to read here, so we read the crowd through short interest — the slice of tradable shares currently sold short, positioned for a fall.
7.6% of Jefferson Capital, Inc.'s tradable float is currently sold short — some money is positioned against it. At typical trading volumes those positions would take about 2.9 days to buy back. There is no quarter-by-quarter holder register to read for this filer, so the crowd is read through short interest instead.
The latest reading: 7.6% of the float is sold short, and at typical trading volumes it would take about 2.9 days to buy those positions back. Some money is positioned against it. This is a single point-in-time reading — we do not yet hold its history, so we show no trend chart.
Why it sits there: who is doing the shorting, and why, does not travel with the number — the level is shown without inventing its story.
Safety line The Z-score estimates how far a company sits from balance-sheet distress — above roughly 3 is safe, below roughly 1.8 is the danger zone. It was built for manufacturers, so it is not applied to banks and lenders.
Jefferson Capital, Inc.: the Z-score is omitted — it was built for manufacturers, not banks, and applying it here would be theatre. The Z-score was built for manufacturers and is not applied to banks and lenders, so solvency here is read from the capital and asset-quality lines instead.
The safety line in one sentence: the Z-score is omitted — it was built for manufacturers, not banks, and applying it here would be theatre.
| Company | Score | Price stage | Growth & earnings/35 | Capital efficiency/25 | Valuation/20 | Relative strength/20 |
|---|---|---|---|---|---|---|
| 1Sezzle Inc.SEZL | 62.8/100Mixed-positive evidence76% evidence | LEADER | 16.9/35 Income 46.5% · PAT 40.6% 71% evidence | 19.6/25 ROA 14.3% · ROE 31.8% · GNPA — 68% evidence | 6.3/20 P/BV 10.81× · P/BV÷ROE 0.34 70% evidence | 20.0/20 RS sector 70.6% · RS bench 75.2% · 1Y 93.7%12 of 12 weeks ahead 100% evidence |
| Exact sum: 16.9 + 19.6 + 6.3 + 20 = 62.8 · Decision use: Price leads the evidence: RS versus the benchmark is 75.2%, but earnings trajectory is weak. Wait for revenue and profit confirmation. | ||||||
| 2Encore Capital Group, Inc.ECPG | 61.4/100Thin evidence · provisional53% evidence | LEADER | 21.1/35 Income 34% · PAT — 29% evidence | 13.4/25 ROA — · ROE 9.3% · GNPA — 34% evidence | 13.6/20 P/BV 1.46× · P/BV÷ROE 0.16 70% evidence | 13.3/20 RS sector 30.1% · RS bench 35.2% · 1Y 143.7%11 of 12 weeks ahead 100% evidence |
| Exact sum: 21.1 + 13.4 + 13.6 + 13.3 = 61.4 · Decision use: Fill the missing evidence before acting; the ranking is deliberately pulled toward neutral. | ||||||
| 3EZCORP, Inc.EZPW | 60.8/100Mixed-positive evidence76% evidence | FADING | 26.5/35 Income 22.9% · PAT 66.3% 71% evidence | 13.8/25 ROA 2.6% · ROE 5% · GNPA — 68% evidence | 8.6/20 P/BV 1.4× · P/BV÷ROE 0.28 70% evidence | 11.9/20 RS sector 10.2% · RS bench 14.6% · 1Y 102.9%8 of 12 weeks ahead 100% evidence |
| Exact sum: 26.5 + 13.8 + 8.6 + 11.9 = 60.8 · Decision use: Balanced evidence: keep at normal research priority and require another comparable period before raising conviction. | ||||||
| 4Enova International, Inc.ENVA | 58.3/100Mixed-positive evidence60% evidence | LEADER | 18.7/35 Income — · PAT — 26% evidence | 15.7/25 ROA 2.7% · ROE 7.7% · GNPA — 68% evidence | 5.0/20 P/BV 4× · P/BV÷ROE 0.52 70% evidence | 18.9/20 RS sector 44.5% · RS bench 49.1% · 1Y 150%11 of 12 weeks ahead 100% evidence |
| Exact sum: 18.7 + 15.7 + 5 + 18.9 = 58.3 · Decision use: Balanced evidence: keep at normal research priority and require another comparable period before raising conviction. | ||||||
| 5Atlanticus Holdings CorporationATLC | 54.8/100Mixed-positive evidence70% evidence | LEADER | 18.6/35 Income 68.7% · PAT 17.4% 71% evidence | 11.3/25 ROA 0.8% · ROE 7.1% · GNPA — 68% evidence | 8.6/20 P/BV 1.22× · P/BV÷ROE 0.17 70% evidence | 16.3/20 RS sector 39% · RS bench 43% · 1Y 94.2%12 of 12 weeks ahead 70% evidence |
| Exact sum: 18.6 + 11.3 + 8.6 + 16.3 = 54.8 · Decision use: Balanced evidence: keep at normal research priority and require another comparable period before raising conviction. | ||||||
| 6Visa Inc.V | 53.1/100Mixed-positive evidence60% evidence | BREAKING OUT | 20.5/35 Income — · PAT — 26% evidence | 19.0/25 ROA 5.8% · ROE 15.2% · GNPA — 68% evidence | 3.7/20 P/BV 18.22× · P/BV÷ROE 1.2 70% evidence | 9.9/20 RS sector -3.2% · RS bench -0.6% · 1Y 9.7%5 of 12 weeks ahead 100% evidence |
| Exact sum: 20.5 + 19 + 3.7 + 9.9 = 53.1 · Decision use: Strong business, demanding price: keep it on the quality list, but require either earnings upgrades or valuation compression. | ||||||
| 7Credit Acceptance CorporationCACC | 52.6/100Mixed-positive evidence62% evidence | BREAKING OUT | 22.4/35 Income 20.5% · PAT 56.2% 55% evidence | 13.1/25 ROA — · ROE 8.4% · GNPA — 34% evidence | 6.2/20 P/BV 2.92× · P/BV÷ROE 0.35 70% evidence | 10.9/20 RS sector 2.3% · RS bench 5.2% · 1Y 26.9%10 of 12 weeks ahead 100% evidence |
| Exact sum: 22.4 + 13.1 + 6.2 + 10.9 = 52.6 · Decision use: Balanced evidence: keep at normal research priority and require another comparable period before raising conviction. | ||||||
| 8Mastercard IncorporatedMA | 50.7/100Mixed-positive evidence60% evidence | TURNING | 19.9/35 Income — · PAT — 26% evidence | 20.4/25 ROA 8.2% · ROE 65.1% · GNPA — 68% evidence | 3.2/20 P/BV 80.37× · P/BV÷ROE 1.24 70% evidence | 7.2/20 RS sector -7.3% · RS bench -5% · 1Y -0.6%2 of 12 weeks ahead 100% evidence |
| Exact sum: 19.9 + 20.4 + 3.2 + 7.2 = 50.7 · Decision use: Strong business, demanding price: keep it on the quality list, but require either earnings upgrades or valuation compression. | ||||||
| 9Affirm Holdings, Inc.AFRM | 45.7/100Thin evidence · provisional53% evidence | BREAKING OUT | 20.4/35 Income 31.5% · PAT — 29% evidence | 9.9/25 ROA — · ROE 3.1% · GNPA — 34% evidence | 3.3/20 P/BV 4.06× · P/BV÷ROE 1.31 70% evidence | 12.1/20 RS sector 0.2% · RS bench 2.1% · 1Y 8%11 of 12 weeks ahead 100% evidence |
| Exact sum: 20.4 + 9.9 + 3.3 + 12.1 = 45.7 · Decision use: Fill the missing evidence before acting; the ranking is deliberately pulled toward neutral. | ||||||
| 10PayPal Holdings, Inc.PYPL | 45.4/100Mixed-negative evidence60% evidence | TURNING | 16.4/35 Income — · PAT — 26% evidence | 12.9/25 ROA 1.5% · ROE 5.5% · GNPA — 68% evidence | 6.7/20 P/BV 1.88× · P/BV÷ROE 0.34 70% evidence | 9.4/20 RS sector -6.8% · RS bench -5.1% · 1Y -13.5%4 of 12 weeks ahead 100% evidence |
| Exact sum: 16.4 + 12.9 + 6.7 + 9.4 = 45.4 · Decision use: Balanced evidence: keep at normal research priority and require another comparable period before raising conviction. | ||||||
| 11Jefferson Capital, Inc.this pageJCAP | 40.6/100Mixed-negative evidence70% evidence | ASLEEP | 9.9/35 Income 29.9% · PAT 1.3% 71% evidence | 16.8/25 ROA 5.7% · ROE 8.6% · GNPA — 68% evidence | 8.8/20 P/BV 2.4× · P/BV÷ROE 0.28 70% evidence | 5.1/20 RS sector -9.7% · RS bench -7.1% · 1Y 16.2%0 of 12 weeks ahead 70% evidence |
| Exact sum: 9.9 + 16.8 + 8.8 + 5.1 = 40.6 · Decision use: Balanced evidence: keep at normal research priority and require another comparable period before raising conviction. | ||||||
| 12OneMain Holdings, Inc.OMF | 40.4/100Mixed-negative evidence60% evidence | TURNING | 16.4/35 Income — · PAT — 26% evidence | 9.4/25 ROA 0.6% · ROE 4.5% · GNPA — 68% evidence | 5.8/20 P/BV 2.07× · P/BV÷ROE 0.46 70% evidence | 8.8/20 RS sector -3.6% · RS bench -1.2% · 1Y 17.2%2 of 12 weeks ahead 100% evidence |
| Exact sum: 16.4 + 9.4 + 5.8 + 8.8 = 40.4 · Decision use: Balanced evidence: keep at normal research priority and require another comparable period before raising conviction. | ||||||
| 13Nelnet, Inc.NNI | 38.8/100Mixed-negative evidence62% evidence | TURNING | 18.8/35 Income 18.6% · PAT 52.5% 55% evidence | 10.2/25 ROA — · ROE 2.7% · GNPA — 34% evidence | 6.0/20 P/BV 1.24× · P/BV÷ROE 0.46 70% evidence | 3.8/20 RS sector -9.5% · RS bench -6.9% · 1Y 10.8%1 of 12 weeks ahead 100% evidence |
| Exact sum: 18.8 + 10.2 + 6 + 3.8 = 38.8 · Decision use: Balanced evidence: keep at normal research priority and require another comparable period before raising conviction. | ||||||
| 14The Western Union CompanyWU | 38.7/100Thin evidence · provisional54% evidence | ASLEEP | 13.7/35 Income — · PAT — 26% evidence | 13.6/25 ROA 1.3% · ROE 8.5% · GNPA — 68% evidence | 7.7/20 P/BV 2.62× · P/BV÷ROE 0.31 70% evidence | 3.7/20 RS sector -27% · RS bench -24.9% · 1Y -9.1%0 of 12 weeks ahead 70% evidence |
| Exact sum: 13.7 + 13.6 + 7.7 + 3.7 = 38.7 · Decision use: Fill the missing evidence before acting; the ranking is deliberately pulled toward neutral. | ||||||
| 15Upstart Holdings, Inc.UPST | 37.6/100Thin evidence · provisional55% evidence | FADING | 18.8/35 Income 57.6% · PAT — 45% evidence | 4.0/25 ROA -0.3% · ROE -0.9% · GNPA — 68% evidence | 9.5/20 P/BV 3.35× · P/BV÷ROE — 10% evidence | 5.3/20 RS sector -33.9% · RS bench -33.3% · 1Y -55.9%5 of 12 weeks ahead 100% evidence |
| Exact sum: 18.8 + 4 + 9.5 + 5.3 = 37.6 · Decision use: Fill the missing evidence before acting; the ranking is deliberately pulled toward neutral. | ||||||
| 16American Express CompanyAXP | 35.7/100Mixed-negative evidence60% evidence | BREAKING OUT | 17.8/35 Income — · PAT — 26% evidence | 10.5/25 ROA -0.1% · ROE 9.3% · GNPA — 68% evidence | 4.6/20 P/BV 6.66× · P/BV÷ROE 0.72 70% evidence | 2.8/20 RS sector -10.2% · RS bench -7.8% · 1Y 16.6%1 of 12 weeks ahead 100% evidence |
| Exact sum: 17.8 + 10.5 + 4.6 + 2.8 = 35.7 · Decision use: Balanced evidence: keep at normal research priority and require another comparable period before raising conviction. | ||||||
| 17Navient CorporationNAVI | 35.2/100Thin evidence · provisional53% evidence | TURNING | 14.3/35 Income -63% · PAT -206.9% 29% evidence | 9.1/25 ROA — · ROE 0.7% · GNPA — 34% evidence | 5.6/20 P/BV 0.32× · P/BV÷ROE 0.46 70% evidence | 6.2/20 RS sector -21.9% · RS bench -20.5% · 1Y -24.6%1 of 12 weeks ahead 100% evidence |
| Exact sum: 14.3 + 9.1 + 5.6 + 6.2 = 35.2 · Decision use: Fill the missing evidence before acting; the ranking is deliberately pulled toward neutral. | ||||||
| 18Federal Agricultural Mortgage CorporationAGM | 55.1/100Thin evidence · provisional46% evidence | BREAKING OUT | 17.4/35 Income — · PAT — 10% evidence | 11.7/25 ROA — · ROE 3.9% · GNPA — 34% evidence | 8.1/20 P/BV 1.17× · P/BV÷ROE 0.3 70% evidence | 17.9/20 RS sector 19.5% · RS bench 22.6% · 1Y 36.1%10 of 12 weeks ahead 100% evidence |
| Exact sum: 17.4 + 11.7 + 8.1 + 17.9 = 55.1 · Decision use: Fill the missing evidence before acting; the ranking is deliberately pulled toward neutral. | ||||||
| 19Bread Financial Holdings, Inc.BFH | 51.8/100Thin evidence · provisional46% evidence | LEADER | 17.1/35 Income — · PAT — 10% evidence | 11.6/25 ROA — · ROE 4.5% · GNPA — 34% evidence | 8.6/20 P/BV 1.25× · P/BV÷ROE 0.28 70% evidence | 14.5/20 RS sector 26.6% · RS bench 30.8% · 1Y 93.1%11 of 12 weeks ahead 100% evidence |
| Exact sum: 17.1 + 11.6 + 8.6 + 14.5 = 51.8 · Decision use: Fill the missing evidence before acting; the ranking is deliberately pulled toward neutral. | ||||||
| 20World Acceptance CorporationWRLD | 49.4/100Thin evidence · provisional46% evidence | BREAKING OUT | 18.2/35 Income — · PAT — 10% evidence | 9.7/25 ROA — · ROE 2% · GNPA — 34% evidence | 4.8/20 P/BV 1.79× · P/BV÷ROE 0.9 70% evidence | 16.7/20 RS sector 8.3% · RS bench 11% · 1Y 20.4%12 of 12 weeks ahead 100% evidence |
| Exact sum: 18.2 + 9.7 + 4.8 + 16.7 = 49.4 · Decision use: Fill the missing evidence before acting; the ranking is deliberately pulled toward neutral. | ||||||
| 21Klarna Group plcKLAR | 44.5/100Thin evidence · provisional35% evidence | BREAKING OUT | 19.5/35 Income 0% · PAT — 45% evidence | 5.2/25 ROA 0% · ROE 0% · GNPA — 68% evidence | 9.8/20 P/BV 2.01× · P/BV÷ROE — 10% evidence | 10.0/20 RS sector — · RS bench — · 1Y —11 of 12 weeks ahead 0% evidence |
| Exact sum: 19.5 + 5.2 + 9.8 + 10 = 44.5 · Decision use: Fill the missing evidence before acting; the ranking is deliberately pulled toward neutral. | ||||||
| 22FirstCash Holdings, Inc.FCFS | 44.3/100Thin evidence · provisional46% evidence | ASLEEP | 17.8/35 Income — · PAT — 10% evidence | 11.8/25 ROA — · ROE 4.2% · GNPA — 34% evidence | 4.2/20 P/BV 4.05× · P/BV÷ROE 0.96 70% evidence | 10.5/20 RS sector 2.3% · RS bench 6.1% · 1Y 59.8%2 of 12 weeks ahead 100% evidence |
| Exact sum: 17.8 + 11.8 + 4.2 + 10.5 = 44.3 · Decision use: Fill the missing evidence before acting; the ranking is deliberately pulled toward neutral. | ||||||
| 23Capital One Financial CorporationCOF | 42.9/100Thin evidence · provisional46% evidence | TURNING | 19.0/35 Income — · PAT — 10% evidence | 10.7/25 ROA — · ROE 2.7% · GNPA — 34% evidence | 6.2/20 P/BV 1.1× · P/BV÷ROE 0.41 70% evidence | 7.0/20 RS sector -7.6% · RS bench -5.3% · 1Y 6.6%2 of 12 weeks ahead 100% evidence |
| Exact sum: 19 + 10.7 + 6.2 + 7 = 42.9 · Decision use: Fill the missing evidence before acting; the ranking is deliberately pulled toward neutral. | ||||||
| 24SLM CorporationSLM | 42.7/100Thin evidence · provisional46% evidence | TURNING | 16.7/35 Income — · PAT — 10% evidence | 10.1/25 ROA — · ROE 2.4% · GNPA — 34% evidence | 5.0/20 P/BV 1.97× · P/BV÷ROE 0.82 70% evidence | 10.9/20 RS sector -3.9% · RS bench -1.9% · 1Y -12.6%7 of 12 weeks ahead 100% evidence |
| Exact sum: 16.7 + 10.1 + 5 + 10.9 = 42.7 · Decision use: Fill the missing evidence before acting; the ranking is deliberately pulled toward neutral. | ||||||
| 25Synchrony FinancialSYF | 41.9/100Thin evidence · provisional46% evidence | TURNING | 16.5/35 Income — · PAT — 10% evidence | 12.4/25 ROA — · ROE 5.2% · GNPA — 34% evidence | 8.6/20 P/BV 1.46× · P/BV÷ROE 0.28 70% evidence | 4.4/20 RS sector -7.3% · RS bench -4.8% · 1Y 13.9%1 of 12 weeks ahead 100% evidence |
| Exact sum: 16.5 + 12.4 + 8.6 + 4.4 = 41.9 · Decision use: Fill the missing evidence before acting; the ranking is deliberately pulled toward neutral. | ||||||
| 26Ally Financial Inc.ALLY | 40.1/100Thin evidence · provisional46% evidence | ASLEEP | 17.3/35 Income — · PAT — 10% evidence | 10.7/25 ROA — · ROE 2.7% · GNPA — 34% evidence | 7.2/20 P/BV 0.9× · P/BV÷ROE 0.34 70% evidence | 4.9/20 RS sector -6.6% · RS bench -4% · 1Y 20%2 of 12 weeks ahead 100% evidence |
| Exact sum: 17.3 + 10.7 + 7.2 + 4.9 = 40.1 · Decision use: Fill the missing evidence before acting; the ranking is deliberately pulled toward neutral. | ||||||
| 27Lufax Holding LtdLU | 38.0/100Thin evidence · provisional29% evidence | BASING | 15.7/35 Income -11.2% · PAT — 18% evidence | 9.5/25 ROA — · ROE -0.7% · GNPA — 26% evidence | 9.8/20 P/BV 0.19× · P/BV÷ROE — 10% evidence | 3.0/20 RS sector -43.8% · RS bench -42.8% · 1Y -45.9%0 of 12 weeks ahead 70% evidence |
| Exact sum: 15.7 + 9.5 + 9.8 + 3 = 38 · Decision use: Fill the missing evidence before acting; the ranking is deliberately pulled toward neutral. | ||||||
| 28SoFi Technologies, Inc.SOFI | 35.4/100Thin evidence · provisional46% evidence | TURNING | 17.3/35 Income — · PAT — 10% evidence | 9.1/25 ROA — · ROE 1.7% · GNPA — 34% evidence | 4.2/20 P/BV 2.08× · P/BV÷ROE 1.22 70% evidence | 4.8/20 RS sector -25.5% · RS bench -24.1% · 1Y -15.4%1 of 12 weeks ahead 100% evidence |
| Exact sum: 17.3 + 9.1 + 4.2 + 4.8 = 35.4 · Decision use: Fill the missing evidence before acting; the ranking is deliberately pulled toward neutral. | ||||||
Missing observations are not scored as bad. Their missing weight lowers confidence and pulls the final score toward neutral. Financial companies use P/BV÷ROE and asset quality; PEG, industrial OPM and ROCE are excluded. Under relative strength, one mark per week shows the last 12 weeks: a mark is filled where the company led S&P 500 by 5% or more over the 13 weeks ending that week, which is the same test used everywhere on this site. Price stage places the company on the same six-step curve the sector itself is placed on — basing, turning, breaking out, leader, fading, asleep — read from how many weeks running it has led S&P 500 and whether that lead is widening or shrinking. It describes where the PRICE stands, not the earnings trajectory and not a recommendation, and it is left blank for a company whose weekly history is too short or too stale to read.
Frequently asked questions
What is Jefferson Capital, Inc.'s stock price today?
Jefferson Capital, Inc. trades at $20.5, +25.8% over the past year. The company is valued at $1.0 B. The stock sits at 60% of its 52-week range of $16–$23, +2.1% versus its 200-day average. Against the S&P 500 it has been behind on a trailing-13-week view for 22 weeks. — as of 5 August 2026.
What were Jefferson Capital, Inc.'s latest quarterly results?
Jefferson Capital, Inc. reported total income of $0.2 B and net profit of $0.0 B for the Mar 26 quarter. Income rose 20.0% and profit fell 33.3% year on year. Earnings per share were $0.61. The net margin was 22.2%, 17.8 pp lower than a year earlier. — as of 5 August 2026.
What is Jefferson Capital, Inc.'s revenue?
Jefferson Capital, Inc. reported revenue of $0.2 B in the Mar 26 quarter, +20.0% year on year. For the full FY25 fiscal year, revenue was $0.6 B (+41.9%). Over the last 2 years revenue compounded at 38.1% a year. — as of 5 August 2026.
What is Jefferson Capital, Inc.'s profit?
Jefferson Capital, Inc. earned $0.0 B of net profit in the Mar 26 quarter, −33.3% year on year. Full-year FY25 profit was $0.2 B. The net margin ran 22.2% in the latest quarter. — as of 5 August 2026.
What is Jefferson Capital, Inc.'s market cap?
Jefferson Capital, Inc.'s market capitalisation is $1.0 B at a stock price of $20.5. Market cap is the share price multiplied by shares outstanding, so it is restated whenever the price moves. — as of 5 August 2026.
What is Jefferson Capital, Inc.'s P/BV ratio?
Jefferson Capital, Inc. trades at a P/BV of 2.6×, at the 63rd percentile of its own 1-year range, against a long-run median of 2.5×. This is a comparison with the stock's own history, not a value call — as of 5 August 2026.
Does Jefferson Capital, Inc. pay a dividend?
Yes — Jefferson Capital, Inc. declared $0.24 per share for Mar 26 (3 quarters on file, too few for a trailing-twelve-month total). — as of 5 August 2026.
What is Jefferson Capital, Inc.'s dividend per share?
Jefferson Capital, Inc.'s most recently declared dividend is $0.24 per share for Mar 26. Each figure is the amount declared for that quarter as reported, added across four quarters for the trailing total. — as of 5 August 2026.
Is Jefferson Capital, Inc. overvalued?
On its own history, Jefferson Capital, Inc. looks mid-range against its own history: its P/BV of 2.6× sits at the 63rd percentile of its 1-year range (long-run median 2.5×). That is a percentile read against the stock's own past, not a price opinion or a direction call. — as of 5 August 2026.
Is Jefferson Capital, Inc. growing?
Not right now — Jefferson Capital, Inc.'s latest numbers are shrinking: latest-quarter revenue +20.0% year on year, profit −33.3%, and the the net margin −17.8 pp at 22.2%. The 2-year compound rates are 38.1% (revenue) and 31.4% (profit). The earnings engine currently reads: deteriorating — as of 5 August 2026.
How is Jefferson Capital, Inc. performing?
Jefferson Capital, Inc.'s latest readings are below. Its latest quarter's income rose 20.0% and profit fell 33.3% year on year. Against the S&P 500 it has been behind on a trailing-13-week view for 22 weeks. This describes what the data did, not a rating. — as of 5 August 2026.
What stage is Jefferson Capital, Inc. in?
Mixed — no clean majority across the growth curves, ROE slipping at 38.6% — the per-curve reads carry the story. The read comes from the last 12 quarters of growth (revenue growth +20.0% latest, profit growth −33.3% latest) plus the ROE curve, classified by deterministic rules — a trajectory read, not a buy or sell call — as of 5 August 2026.
Is Jefferson Capital, Inc. beating the market?
Not lately — on a trailing-13-week view Jefferson Capital, Inc. is currently behind the S&P 500 (22 weeks and counting; last ahead the week of 2026-03-06), the same metric the week-by-week ribbon on this page draws. Separately, on the cumulative view: over the last 1.1 years the stock moved +21% against the S&P 500's +24% — behind the index over the full window. — as of 5 August 2026.
Will Jefferson Capital, Inc.'s stock price go up?
This page publishes no price forecast for Jefferson Capital, Inc. What it measures instead: the stock price is $20.5. Its P/BV of 2.6× sits at the 63rd percentile of its own 1-year range. Direction is not something this site claims to know. — as of 5 August 2026.
Is the market betting against Jefferson Capital, Inc.?
Somewhat — short interest is 7.6% of Jefferson Capital, Inc.'s tradable float, about 2.9 days to cover at typical volumes. A moderate reading: some money is positioned against it. With no quarter-by-quarter holder register here, short interest is the cleanest crowd read we hold — as of 5 August 2026.
Is Jefferson Capital, Inc.'s loan book healthy?
We do not hold quarterly loan-book quality numbers for Jefferson Capital, Inc., so this page says that plainly. The cleanest available reads are revenue growth (+41.9% in FY25) and the net margin on it (22.2%) — as of 5 August 2026.
Where is Jefferson Capital, Inc. in its business cycle?
Jefferson Capital, Inc.'s FY25 net margin was 31.1%, against a 3-year band of 30.2%–34.4%: the low end of its own band, which is where recoveries start when they come. The latest quarter ran 22.2%. Profitability versus a company's own long band is the cleanest cycle clock this page holds — as of 5 August 2026.
What could break the Jefferson Capital, Inc. story?
The sharpest disagreement: the price moved +25.8% in a year while annual EPS moved −100.0% — the difference is re-rating, and re-rating has to be repaid with earnings. Mechanically, two Friday closes in a row below the 200-day average would end the price trend — that is the exit rule this page tracks — as of 5 August 2026.
Is Jefferson Capital, Inc. a stock worth studying right now?
This is not investment advice. The machine read: Jefferson Capital, Inc.'s three tracks disagree. Price, valuation and the earnings engine each tell a different story — the next quarter or two settles it. The sharpest open question: whether earnings grow into a price that has already moved. Every number on this page is drawn deterministically from the raw series, with no forecasts and no price opinions — as of 5 August 2026.